See If you Qualify

How does an IVA work?

It's very simple. All you do is make one affordable monthly payment to a qualified legal professional, who in turn distributes the payments according to the amounts previously agreed by your creditors in an IVA proposal. You do this every month, for 60 months, and at the end of the term any debt balances you still owe are written off.

You don't have to deal with nasty creditors any more, and all the hard work is done for you. More on how it works here.

Could You Apply For An IVA?

You could be accepted for an IVA if you answer yes to these four simple criteria:

£10,000 or more in debt

Have 2 or more creditors

Are employed or self employed

Have a surplus of income of around £125 before you pay your debts each month

Don’t feel alone in debt

270people a day are declared insolvent or bankrupt. (Source: themoneycharity.org.uk)

£29,036Average debt of each adult in the UK(Source: themoneycharity.org.uk)

IVAs – Your Route To Debt Freedom

An IVA could give you your life back and pave the way to a happier debt-free future for you and your family.

"The real low point before my IVA was having my card declined at the supermarket. I had the kids with me and a full trolley of shopping all packed up in bags. I ran out of there dragging the kids behind me and I’ve never gone back." More testimonials here

Mrs Karen Collete, awarded an IVA in 2011.

Just think, no more:

Nasty phoncalls from creditors

Borrowing money from friends and family

Scrimping on cheap foods at the supermarket

Payday loans you have to keep rolling over

Dreading bills because you know you can’t pay

Running out of money within days of being paid

Having your cards declined at the till

Paying hefty charges for being a few pence overdrawn.

Pretending everything is ok when it’s not!

Could I Apply For An IVAOnline Today?

Absolutely, and getting the ball rolling is easy. All you have to do is call one of our experienced and friendly IVA Advisers on 0800 987 5337 or fill out the form above to apply for an IVA. They will go through all of your options and tell you straight away whether an IVA might be the right step.

Totally Debt Free In 5 Years!

An IVA will last for 5 years meaning you will be back on your feet with your finances faster!.

5 star treatment

5

I have had a very good experience in trust deed could not do enough for me Thanks...

Elaineon 3rd March.

Simple Financial Solutions helped me so much.

5

I remember seeing all the media coverage surrounding the PPI mis-selling scandal thinking that it was never anything to do with me. After lo...

Debt Solutions Subject to conditions and acceptance. Credit rating may be affected.

Fees payable if continuing services provided. Alternative free-to-consumer debt advice organisations as recommended by the Money Advice Service. * You may be required to pay a contribution towards your debts. This contribution is assessed based on your income and expenditure and can last for 60 months. Repaying debt over longer period may increase the total amount to be repaid